Cost of Treatment  

The current payment plan option consists of an initial down-payment, followed by monthly instalments, depending on the length of treatment. The initial down-payments reflect on your budget and allow you to get started on orthodontic treatment. 

We understand that the cost of treatment may pose a financial barrier. Dr Chang and his staff would like to be able to address your financial concerns to your satisfaction. We want to make it as easy as possible for you to receive the best orthodontic care or to provide the best orthodontic care for your child

Payment Plan Options

No Health Fund?

  • Other options: Unlocking your superannuation: In certain cases, our team can facilitate the completion of forms needed for the compassionate release of superannuation for your child’s or your orthodontic treatment.

If you have Private Health Insurance

This section below has been compiled for the benefit of new prospective patients and has been formulated after taking into consideration the feedback from many of our existing patients. 

  • Be aware of your private health fund policy commencement date for claims to be eligible. Most health funds have a 12 month waiting period before orthodontic claims can be made. 
  • Most health funds pay an initial lump sump, then a maximum amount each calendar year. Lump sum payout is determined based on orthodontic appliance fitted.
  • Ensure your health fund eligibility before commencing the fitting of orthodontic treatment

  • Orthodontic records, taken prior to fitting of appliance can be partially claimed back if you have BASIC dental cover.

What do some of our patients say about health funds?

  • Several members of the same household who will benefit from orthodontic treatment, the numbers may add up to make the additional health fund premium a viable option

*Disclaimer: This information is intended as a general guide and does not take into consideration your specific circumstances. Please contact your health fund and accountant for more information on how it can benefit you*

Health Fund Questions

How much can I claim from my health insurance?

  • Most health funds pay an initial lump sum, followed by a maximum limit every calendar year until the LIFETIME limit per health fund member is exhausted.

  • We will provide you with relevant insurance codes after your initial consultation. 
  • These insurance codes need to be given to your health fund to determine your health fund rebate. 
  • HICAPS is not available for specialist orthodontics. This means you will need to make the full payment for the invoiced amount then take the receipt to your health fund who will pay you the expected rebate. 

Visit: central website made by the Australian Government, to compare ALL health insurance policies that are available on the market. This may make it easier when deciding to join or switch health funds. 

How can I maximise my insurance benefits? 

The 4 Questions you MUST ask your health fund before you commence orthodontic treatment: 

  1. When does my orthodontic cover commence?
  2. What is the maximum lifetime cover per person?
  3. What is the maximum benefit payable per year?
  4. Over how many years would this be paid? Is this based on per calender year or per financial year?

Please have all the above information ready so our friendly reception staff can work with you and your family to maximise your insurance benefits and fit within your budget requirements.

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